Pay “small” work comp claims out-of-pocket or nah….. What does the real money say??????? Many of you are well-versed in the importance of medical-only claims to the experience modification rating process. In the vast majority of states, these claims, also known as injury or IJ code...

Our unique process has passed a major milestone. Mine Sweeper has identified and exposed over $500,000,000 worth of hidden and unknown self-insured exposures. Which million dollars can your company afford to pay? How many of those unknown exposures exist in your current program? Scary thoughts, huh?...

In the universe of workers’ compensation experience rating, 2013 was something of a big bang: The split point increase to $10,000 in most states has realigned mod values which had, over the years, begun drifting closer and closer to 1.0. If you’ll indulge the imperfect analogy, think of planets (mods)...

Business owners generally understand they need to purchase some type of property insurance to protect their tangible assets from a loss. Stuff like inventory, displays, furniture, fixtures and equipment are at risk of loss or damage by fire, theft and host of other perils. With the proper business...